Treasury Index CD
Earn a market rate without worrying about market trends
If you have some extra cash, but not the time or certainty on where to deposit it, our Two-Year Treasury Index CD may be just right for you!
Traditional Certificates of Deposit (CDs) offer a fixed rate, but when rates are all over the place, it can be tough to time your deposit just right. And bad timing on a CD can haunt you for a while. But with our Two-Year Treasury Index CD, your rate is matched to the Wall Street Journal 3-Month Treasury rate and changes quarterly. As the government treasury rate moves, so does the rate on your CD.
No more stressing about managing your money or guessing about the right time to lock in your CD. Just a great rate without the headache!
- Variable rate matched to 3-Month Treasury Rate
- Open with just $100
- Add funds during the first 30 days
- Your money is FDIC insured
See How Our Rates Compare to the Other Banks
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Online Value from a New Jersey Bank
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Our online rates consistently beat the traditional banks
Keep your dollars in NJ
Your money supports our local New Jersey economy
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Talk to real, friendly experts located right here in NJ
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Backed by Amboy Bank with 135+ years of great savings and service
Open Your Account in One Easy Session
Open Your Treasury Index CD in Just Minutes
Opening your Treasury Index CD account is quick, secure, and hassle-free. With just a few basic details, you can complete the process in one sitting.
Begin our secure (and fast) account opening process
Confirm the micro-deposits Amboy put in your external account
Transfer your money from an existing account and start banking!
FAQs
Our account opening process and Digital Banking platform employ state of the art security practices, so you can rest assured that your information is safe.
Opening an account online is easy and takes less than ten minutes. You need to be at least 18 years old and a citizen or Resident Alien of the United States (some accounts also require New Jersey residency). Please have your Social Security Number, a photo ID, and your external funding information handy.
Amboy Direct is the online division of Amboy Bank, a New Jersey institution that has been around for more than 135 years. We’ve also been voted “Best Bank” for more than 25 consecutive years!
Listen to the Experts
Voted Best Bank 28 years in a row
Terms & Disclosures*$100 minimum to open. 24-month CD. Balances from $25,000 - $500,000 earn 3.90% Annual Percentage Yield (APY), under $25,000 earns no interest. Rate changes quarterly. Competitor information is from S&P Capital IQ report on 11/24/2025 and based on $25,000 balance. Early withdrawal penalties may apply. Offer is available for new money not currently on deposit at Amboy Direct. $500,000 maximum per household. Not available at Amboy branches.